Elgin, TX
Elgin wildfire risk explained
Elgin's 4,096 buildings earn a 69th-percentile wildfire-risk score nationally under USFS's model — well above the national norm for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Elgin's burn probability — fire likelihood with no building count factored in — sits at the 69th percentile nationally.
Elgin's building exposure, zone by zone
USFS puts 53.5% of Elgin's 4,096 buildings in the Indirect exposure zone, versus 43.2% Direct and 3.3% Minimal — a place where the fire doesn't need to reach the structure directly for embers to.
Where Elgin ranks
Elgin ranks lower within Texas (28th percentile statewide) than its 69th national percentile suggests alone — a calmer spot in a state where wildfire risk generally runs high. Among the 31,521 US communities USFS scores, Elgin ranks 9,876 for wildfire risk (1 is highest) and 4,142 by building count (1 is largest). Within Texas alone, it ranks 1,294 of 1,795 places by risk. See the full county-by-county picture for Texas on its state page.
Shopping for coverage in Elgin
Elgin's 69th-percentile, high rating is the kind of score behind a broader national pattern: insurers pulling back from the highest wildfire-risk markets, non-renewing or declining new policies outright, most visibly in California. Shopping around, not assuming automatic renewal, tends to matter here.
Lowering exposure, not just insuring around it
Because 53.5% of Elgin's buildings sit in the Indirect zone, sealing the ember pathway (vents, roofing, gutters) is the intervention this page's data actually supports — see the home-hardening guide.
Where Elgin's figures come from
The methodology guide shows exactly how USFS turned 4,096 counted buildings into the percentiles shown above for Elgin. The exposure-zones guide covers what Elgin's dominant indirect exposure actually means, with real examples from across the dataset.